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In 2007 i took out a hired purchase agreement on a car from Bank of Scotland. I am in my final year of the agreement with only four months left before i have to pay final balance. The strange thing is four months ago they stopped taking payment from me (I have a standing order set up). A few months ago i recieved a letter from Bank of Scotland stating they have transferred this agreement to Lloyds but all payment details will stay the same. Fair enough i thought! Last week i recieved another letter stating that the agreement has now been transfered to Lex Autolease, which is also part of Lloyds telling me to set up a new standiing order with them. I find all of this ridiclous as i do not feel it is my job to chase them to collect my money. This should have been done automatically without any problems. Now, i have recieved a letter from Bank of Scotland telling me that the account is overdue. What i would like to know is what are my rights in this case? Are Lloyds and Bank of Scotland now one? I need to request my original signed agreement but as far as i am concerned i took this agreement out with Bank of Scotland, not Lloyds or Lloyds Lex Autolease. Any suggestions? Could i potentially write this off and keep the car?